If you’re looking for affordable dental care, you can choose a Dental Maintenance Organization (DMO) dental insurance plan. DMO insurers work out negotiable deals with dentists to reduce their dental care costs. DMOs, like dental Preferred Provider Organization (PPO) insurance plans, let patients save money and have complete leverage over their dental care.
A dental management organization (DMO) is a group of dentists and specialists that work together to provide dental treatment at a predetermined price. Participants in the DMO are not required to meet any deductibles or submit any claim forms.
Let us have a detailed look at what DMO dental insurance plans are.
A dental maintenance organization (DMO) is a low-cost dental maintenance plan. You’ll be provided a list of dentists in your region who have agreed to provide affordable dental care. You must select one as your physician dentist, who will treat all of your dental needs.
If your dentist concludes that you require the assistance of a specialist, s/he will send you to one without charging any further fees. As long as your plan supports orthodontia, you can see a DMO orthodontist without a referral.
You may not have to pay a deductible and your yearly benefits may not be capped if you have a DMO plan. You won’t have to deal with insurance companies because your primary care dentist will handle everything. Premiums and out-of-pocket costs are lower for DMO patients.
You can’t see a non-participating dentist or expert without a recommendation if you have a DMO plan. You may have to pay the full fee if you visit without a reference.
Participants in a DMO plan, including dependents, must select a primary care dentist. Each person insured by the plan can choose their primary care dentist. All normal dental treatment will be provided by this primary care dentist, who will send the participant to a network expert if specialized care is required.
A participant should make an appointment with their primary care dentist for standard dental care such as check-ups and fillings. The participant will pay the appropriate deductible for covered services when visiting the dentist. After getting treatment, the participant is not required to submit a claim form.
The DMO will not pay any benefits if a participant seeks dental care without first consulting their primary care dentist, or if the patient’s treatment is not allowed by the plan. Any out-of-network or unauthorized care will be paid in full by the patient.